The future of banking has, as with the iPad, been dreamed out already decades ago. Science fiction writers such as Peter F Hamilton or Iain M Banks showed us a future of banking which ranges from now trivial things such as video calling with your banker, to more developed imaginations such as neural interfaces, artificial intelligences defending secure crypto-locked networks and remote will execution via time-coded cryptographically secure instruction envelopes. Also, such future is closer than you think: scientists are already experimenting with neural interfaces for lost human limbs with some degree of success [1][2], people are writing about artificial intelligences not needing to develop beyond a certain level [3] and blockchain [4] and recent internet communication events [5] are launching a new golden era of cryptography. But this is still in the ‘potentially happening’ realm space; the here and now (and how did we get here) is a little bit more tricky and challenging. ...